Cheaper Rawlins Wyoming Car Insurance Rates in Five Minutes

Using the web to shop for Rawlins car insurance can seem like an uphill battle if you’re new to online quoting. But don’t let that discourage you because comparing prices is actually very simple.

You should take the time to shop coverage around once or twice a year since rates tend to go up over time. Even if you got the best rates six months ago you may be paying too much now. Don’t believe everything you read about car insurance on the internet, so with this article, you’re going to get some proven techniques to slash your car insurance rates.

How to Get Cheap Car Insurance in Rawlins

Effectively comparing car insurance prices is a ton of work if you don’t utilize the best way to get rate quotes. You could spend your day talking about coverages with insurance agencies in Rawlins, or you can stay home and use online quoting to get pricing more quickly.

Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and each participating company then gives them pricing based on that data. This eliminates the need for form submissions for each company. To compare pricing click here to start a free quote.

The only drawback to getting quotes like this is that you can’t choose the insurers to get quotes from. If you prefer to choose specific insurance companies to compare, we have assembled a list of companies who write car insurance in Wyoming. Click here for list of insurance companies in Wyoming.

However you get your quotes, ensure you are comparing exactly the same coverage limits for every company. If your comparisons have mixed coverages it will be next to impossible to truly determine the lowest rate in Rawlins. Quoting even small variations in limits can result in a big premium difference. Keep in mind that comparing more company’s prices provides better odds of finding a better price.

These discounts can lower your rates

Companies offering auto insurance don’t always list all their discounts very well, so we researched both well-publicized and also the lesser-known savings tricks you should be using.

  • Passive Restraints and Air Bags – Cars that have air bags may earn rate discounts of more than 20%.
  • Homeowners Savings – Owning a home in Rawlins can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
  • Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accidents.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of companies with discount car insurance rates in Wyoming, click here.

Buying car insurance from a local agent

A small number of people would prefer to buy from a local agent and there is nothing wrong with that. One of the great benefits of comparing rates online is you can get better rates and still choose a local agent.

Once you complete this simple form, your coverage information is immediately sent to local insurance agents in Rawlins who will battle for your coverage. You don’t have to leave your house since price quotes are sent immediately to your email address. How cool is that?! You’ll get the best rates and an insurance agent to talk to.

Selecting a company needs to be determined by more than just a cheap price. Agents should be asked these questions:

  • What is the agency’s Better Business Bureau rating?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Which members of your family are coverage by the policy?
  • Can they give you a list of client referrals?
  • Which company do they place the most coverage with?
  • How much can you save by raising your physical damage deductibles?
  • How are claims handled?

Choose an insurance agent wisely

If you’re trying to find an insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Agencies in Rawlins are classified as either captive or independent (non-captive).

Captive Insurance Agents

These agents are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare other company’s rates so they are skilled at selling on more than just price. These agents receive extensive training in insurance sales which can be an advantage. Some people will only buy insurance from these agents partially due to the brand legacy and the convenience of having all coverages with one company.

Below is a short list of captive agencies in Rawlins that can give you price quotes.

  • State Farm Insurance – 205 W Cedar St – Rawlins, WY 82301 – (307) 324-6677
Independent Agents (or Brokers)

Independent agencies do not work for one specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.

When comparison shopping, you should always include price quotes from at least one independent agent to get the best comparison. Many write coverage with smaller regional carriers who may have lower rates.

Below is a short list of independent insurance agencies in Rawlins willing to provide price quote information.

  • Dabb Insurance – 316 E Cedar St – Rawlins, WY 82301 – (307) 324-4755
  • Allen Insurance and Real Estate – 501 W Buffalo St – Rawlins, WY 82301 – (307) 324-6611
  • Brown Agency Inc – 600 N Higley Blvd – Rawlins, WY 82301 – (307) 324-2100

To view a full list of Rawlins insurance agents, click here to link.

Upon receiving good answers to all your questions as well as a affordable price, chances are good that you have found an auto insurance agent that can properly insure your vehicles.

But I don’t know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions might point out whether or not you will benefit from professional help.

  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when making deliveries for my home business?
  • Is my cargo covered for damage or theft?
  • How high should my uninsured/underinsured coverage be in Wyoming?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Is rental equipment covered for theft or damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is a new car covered when I drive it off the dealer lot?
  • What happens if I owe more than my vehicle is worth?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that go into determining car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • How’s your driving record? – Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations such as DUI or reckless driving may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Bundling policies can get discounts – Most car insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to shop around to make sure you are getting the best deal.
  • Extra coverages can waste money – There are a ton of extra bells and whistles that you can buy on your policy. Coverages for roadside assistance, towing coverage and membership fees may be costing you every month. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
  • Don’t sacrifice liability coverage – Liability coverage is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

Online plus local equals savings

Insureds switch companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, an unsatisfactory settlement offer or even policy cancellation. No matter why you want to switch, finding a great new company can be pretty painless.

When shopping online for car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just learned many ways to save on car insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on car insurance is with the smaller companies.

More sites with car insurance information

More tips and info about car insurance is located at the Wyoming Insurance Department website. Wyoming consumers can learn about insurance regulations, file complaints about an insurance agent or broker, report car insurance fraud, and get help finding coverage.